Side-by-side · honest numbers
ICICI Bank Emeralde Private Metal Credit Card vs SBI Cashback Credit Card vs YES Bank Marquee Credit Card
Honest side-by-side comparison of ICICI Bank Emeralde Private Metal Credit Card, SBI Cashback Credit Card, YES Bank Marquee Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, SBI Cashback Credit Card ranks first for estimated net annual value — ahead of YES Bank Marquee Credit Card by about ₹6,779/yr.
| Feature | ICICI Bank Emeralde Private Metal Credit Card ICICI Bank | SBI Cashback Credit Card SBI Card | YES Bank Marquee Credit Card YES Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹12,000 | ₹999 | ₹999 |
| Fee waiver threshold | No waiver published | Waived at ₹2,00,000/yr spend | No waiver published |
| Min income | ₹1,00,000/mo | ₹25,000/mo | ₹40,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹8,952/yr | ₹6,750/yr | -₹29/yr |
| Online shopping | — | 5% cashback → ₹500/mo (₹6,000/yr) | — |
| Travel | 6 pts per ₹150 spend → ₹80/mo (₹960/yr) | — | 4 pts per ₹150 spend → ₹33/mo (₹400/yr) |
| Top reward rate | 4X reward points | 5% | 4 RP/₹150 |
| Primary reward cap | No monthly cap published | ₹2,000 rewards/mo cap | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic & international lounge access · No minimum spend required for lounge access | None | Domestic lounge access · Mid-tier YES card — lounge often requires prior-month spend; check YES Bank T&Cs |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | Fuel · Utilities · Insurance · Rent · Wallet loads | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- SBI Cashback Credit Card has the lowest annual fee at ₹999.
- Which card earns more on moderate spend?
- SBI Cashback Credit Card leads with an estimated ₹6,750/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- SBI Cashback Credit Card lists a minimum monthly income of ₹25,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
Customize your spend
Change spend profile or swap cards — results update live below.
ICICI Bank Emeralde Private Metal Credit Card
ICICI Bank
SBI Cashback Credit Card
SBI Card
YES Bank Marquee Credit Card
YES Bank
Your adjusted comparison
| Feature | ICICI BankMetal ICICI Bank Emeralde Private Metal Credit Card •••• •••• •••• 4242 Quick facts ICICI Bank Emeralde Private Metal Credit Card Top reward4X reward points Annual fee₹12,000 Min income₹1,00,000/mo Tap to flip back ICICI Bank Emeralde Private Metal Credit Card ICICI Bank | SBI CardGold SBI Cashback Credit Card •••• •••• •••• 4242 Quick facts SBI Cashback Credit Card Top reward5% Annual fee₹999 Min income₹25,000/mo Tap to flip back SBI Cashback Credit Card SBI Card | YES BankPlatinum YES Bank Marquee Credit Card •••• •••• •••• 4242 Quick facts YES Bank Marquee Credit Card Top reward4 RP/₹150 Annual fee₹999 Min income₹40,000/mo Tap to flip back YES Bank Marquee Credit Card YES Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹12,000 | ₹999 | ₹999 |
| Fee waiver threshold | No waiver published | Waived at ₹2,00,000/yr spend | No waiver published |
| Min income | ₹1,00,000/mo | ₹25,000/mo | ₹40,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹8,952/yr | ₹6,750/yr | -₹29/yr |
| Online shopping | — | 5% cashback → ₹500/mo (₹6,000/yr) | — |
| Travel | 6 pts per ₹150 spend → ₹80/mo (₹960/yr) | — | 4 pts per ₹150 spend → ₹33/mo (₹400/yr) |
| Top reward rate | 4X reward points | 5% | 4 RP/₹150 |
| Primary reward cap | No monthly cap published | ₹2,000 rewards/mo cap | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic & international lounge access · No minimum spend required for lounge access | None | Domestic lounge access · Mid-tier YES card — lounge often requires prior-month spend; check YES Bank T&Cs |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | Fuel · Utilities · Insurance · Rent · Wallet loads | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
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https://cardhungry.com/in/en/compare/icici-emeralde-vs-sbi-cashback-vs-yes-marqueeMore ICICI Bank Emeralde Private Metal Credit Card comparisons
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